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car insurance


Question Posted Friday January 25 2008, 5:59 pm

so say i needed to borrow my boyfriends car. he has state farm car insurance that is under both his parents name. say i borrowed his car and i got pulled over.. would i get in trouble because my name is not on the insurance? or does it not matter because the car is still insured?

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ssschallenger answered Monday February 18 2008, 2:17 pm:
it depends on the insurance company however i would be more worried about not being covered if you got into an accident rather than if you get pulled over. in california its a fix it ticket to not be driving with proof of insurance. can be a hefty fine if you really dont have it but no where near as much as an accident would cost you. minor fender benders can cost at minimum 2,000 and if anyone is injured you could be looking at 25,000

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Napalm350z answered Friday January 25 2008, 10:53 pm:
It really depends. In some instances, as long as the car has insurace, you're good. It doesn't matter whose name it is under. I have a friend who was pulled over for going way over the speed limit in someone else's car and they didn't even ask for insurance. I'm not listed on my parent's insurance card and I've been pulled over twice.

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DancinCutie08 answered Friday January 25 2008, 10:35 pm:
As long as you have your own insurance in your name just for having your licience you should be okay. I know for state farm you are suppose to have every driver of that cars name on the insurance... but the only think the cop might do is hold you over until they can contact the owner to make sure that you have permission to use that car... just don't get in an accident.. or your screwed

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asward2006 answered Friday January 25 2008, 7:57 pm:
Well this all depends... Ive been with my friend when she got pulled over and she was using her parents car.... she was not on thier insurance, title, or registration so we thought she was in big trouble luckily we got a nice cop who just gave her the ticket it went on her record and she had to pay it. He warned her not to drive that vehicle again until she was insured. Some people may not be as lucky and the cop could possibly ticket you for driving un insured and your license could be suspended and the car towed. If you get into an accident thier insurance could deny their claim since no one on the policy was driving. So my advice to you is not to chance it and don't borrow the car

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